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Fixed Rate Mortgages

If you are looking for a mortgage where the monthly payment remains the same for the life of the loan, a fixed rate mortgage is the loan for you.  

Fixed Rate Mortgages:

  • Lock in an interest rate for the entire term of your mortgage
  • Various terms available (30-year, 20-year, 15-year)
  • Principal and interest remain the same for the length of the mortgage
  • Flexibility exists to allow you to increase the payment on your principal at any time with no penalty   

Mortgage Calculator

Mortgage Calculators

Use our online calculators to help estimate payments, affordability and more.

Mortgage Questions

Mortgage FAQs

Commonly asked questions about mortgages can be found here.


Discover the CNB difference.

At CNB Mortgage Company we strive to make the mortgage process swift and simple - with local decision making and loan processing. Our experts will find a mortgage solution to fit your needs, offering portfolio mortgages, fixed rate mortgages, construction loans, home equities and Special Loan Programs.

SAFE Act Compliance & Mortgage Loan Originator Information
Canandaigua National Bank & Trust and CNB Mortgage Company comply with all registration requirements for Mortgage Loan Originators (MLOs) in compliance with the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). If you would like additional information related to one of our MLOs, please use the following link to access the Nationwide Mortgage Licensing System and Registry:

CNB Mortgage Company - Licensed New York Mortgage Banker, NYS Department of Financial Services, NMLS ID 213408.
CNB Mortgage Company is a wholly owned subsidiary of Canandaigua National Bank & Trust.

Canandaigua Office - 72 South Main Street, Canandaigua, NY 14424, (585) 394-9100 | Pittsford Office - 63 Monroe Ave, Suite A, Pittsford, NY 14534, (585) 385-2370